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Niva Bupa Corona Kavach Health Insurance

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Niva Bupa Health Insurance
Corona Kavach Policy
Cashless Approval TAT30 mins Cashless Claim Processing
Claim Settlement Ratio90.70%
Network Hospitals10,000+
Pre-existing Disease Coverage FromDay 1
Special BenefitsUnlimited restoration
Starting Premium for Rs. 5 lakhs SIRs. 550/month

About Niva Bupa Corona Kavach Health Insurance

Corona Kavach Policy offered by Niva Bupa Health Insurance is an affordable short-term policy that covers treatments related to a positive diagnosis of COVID-19. It is a standard medical insurance policy that was launched by the Insurance Regulatory and Development Authority of India (IRDAI) to cover both individuals as well as families. To be the proposer of this indemnity-based health insurance policy, you must be aged at least 18 years. The maximum age to be the Proposer for this policy is 65 years. You can also include dependent children under the plan if they are aged between 1 day and 25 years. The policy can be bought for sum insured options between Rs. 50,000 and Rs. 1 Lakh, in multiples of Rs. 50,000. Kindly note that the premium varies with different sum insured options.

This short-term policy can be purchased for 3.5 months (105 days), 6.5 months (195 days), and 9.5 months (285 days). The policy comes with a short waiting period of 15 days which is calculated from the date of commencement of the policy, after which you will be eligible to avail coverage benefits. The policy offers wide coverage for healthcare expenses such as in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, daycare expenses, AYUSH treatment expenses, road ambulance expenses, and so on. Apart from this, you can also avail of tax benefits on the premium paid for this policy, under Section 80D of the Income Tax Act, 1961. One of the highlights of the policy is that you do not require any pre-acceptance medical screening to be covered under it.

Also read: COVID 19 Insurance

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Key Inclusions and Exclusions of the Plan

What's Included

  • In-patient hospitalisation expenses arising due to positive diagnosis of COVID-19
  • In-patient AYUSH treatment expenses related to COVID-19
  • Home care treatment expenses for up to specific days
  • Road ambulance expenses for up to Rs. 2,000 per hospitalisation
  • 15 days pre-hospitalisation and 30 days post-hospitalisation expenses

What's Not Included

  • Treatment for the purpose of investigation and evaluation
  • Daycare treatment and OPD treatment
  • Any COVID-19 related claim for which the diagnosis was done before commencement of the policy
  • Treatment taken outside India
  • Hospitalisation for rest cure, respite care, or rehabilitation

10059 Niva Bupa Cashless Network Hospitals in India

Corona Kavach Policy User Reviews

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What users are saying
  • All
  • InsuranceDekho's extensive network of hospitals for cashless treatment is a big advantage. I had no trouble fi...

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    S
    By Sonai Makkar
    On: Jul 25, 2023
  • I bought the Niva Bupa Health Insurance- Corona Kawach Policy from InsuranceDekho. Though the overall purchase...

    Read More
    R
    By Richa Saxena
    On: Jul 10, 2023
  • My decision of buying a health insurance plan from InsuranceDekho was worth it. The company was available all ...

    Read More
    N
    By Neena Hussain
    On: Jul 04, 2023
  • One of the most crucial aspects of any health insurance policy is its claims processing procedure. In that reg...

    Read More
    I
    By Ishani Patel
    On: Jun 12, 2023

Niva Bupa Corona Kavach Policy Brochure

  • 193.04 KB
  • PDF Document
  • Oct 29, 2021

Claim Process at Niva Bupa Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Corona Kavach Policy Health Insurance Plan

  • Does Niva Bupa Corona Kavach Policy come with any optional cover?

    Yes. Niva Bupa Corona Kavach Policy comes with an optional cover of Hospital Cash. Under the benefit, you can avail a cash benefit of 0.5% of the sum insured every day for up to 15 days of continuous hospitalisation. You can avail the benefit in every policy term.

  • What are the sum insured options available under Niva Bupa Corona Kavach Policy?

    Niva Bupa Corona Kavach Policy comes with a wide range of sum insured options of Rs. 50,000; Rs. 1 Lakh; Rs. 1.5 Lakh; Rs. 2 Lakh; Rs. 2.5 Lakh; Rs. 3 Lakh; Rs. 3.5 Lakh; Rs. 4 Lakh; Rs. 4.5 Lakh; and Rs. 5 Lakh, which you can choose as per your budget and other requirements. 

  • Can I include my parents under the Niva Bupa Corona Kavach Policy?

    Yes. Apart from self, you can include a legally wedded spouse, dependent parents, and dependent children under this policy.

  • Is the policy renewable for lifetime?

    No. As Niva Bupa Corona Kavach Policy is a short term policy, it does not offer lifetime renewability benefit. To continue availing the policy benefits, you will be required to buy a new policy.

  • Is there any limit on the road ambulance expenses covered under Niva Bupa Corona Kavach Policy?

    Yes. Niva Bupa Corona Kavach Policy covers emergency road ambulance expenses for up to Rs. 2,000 per hospitalisation.

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